WEBVTT 00:00.468 --> 00:06.654 Izindlela zokukhokha zedijithali zithola ukuthandwa ngokushesha emhlabeni wonke, futhi naphezu kokuthanda kwabo imali, amaJalimane 00:06.654 --> 00:10.432 nawo ayakhokha ngokuya ngokuya ngokungathinti nangocingo. 00:10.432 --> 00:14.582 Ngasikhathi sinye, ukusetshenziswa kwemali esandleni nakho kuya kusiba nzima kakhulu. 00:14.582 --> 00:19.580 Ukusetshenziswa kwayo kunqunyelwe, phakathi kwezinye izinto, ukulwa nokuwasha imali nobugebengu. 00:19.580 --> 00:25.209 Amabhange nawo ayanciphisa inani lemishini yokukhipha imali, izitolo zinciphisa izinkokhelo ngemali, kanti 00:25.209 --> 00:31.754 ngasikhathi sinye kungeniswa izinhlelo zokukhokha zedijithali eziningi egameni lenqubekela phambili. 00:31.754 --> 00:41.414 Imali yesandla iyisici esibalulekile ekuthengiselaneni kokukhokha futhi ibalulekile ekusebenzeni komphakathi wethu. 00:41.414 --> 00:50.480 Ubuthakathaka bezinhlelo zokukhokha ezidijithali ngokuphelele bubonisiwe muva nje ngesibuyekezo seWindows esiphutha. 00:50.480 --> 00:54.508 Isibuyekezo esisodwa esinjalo sasanele ukuvimba amakhompyutha ayizigidi emhlabeni wonke, sabangela ukuthi 00:54.508 --> 00:59.211 izikhumulo zezindiza zonke, izikhungo zikahulumeni ngisho nezamabhange zime ngokuphelele. 00:59.211 --> 01:03.926 Imali esandleni, ngakolunye uhlangothi, iqinisekisa ukuthi ukuthengiselana kwezimali kuqhubeka kusebenza 01:03.926 --> 01:09.818 ngokuphepha nangokuzimela ngisho nasezikhathini zokuphazamiseka kobuchwepheshe noma kwedijithali. 01:09.818 --> 01:17.191 Ngaphezu kwalokho, imali ebhukhikhathi ivumela izinkokhelo ezingaziwa, ivikela ekuqapheni kwezohwebo futhi ingasetshenziswa 01:17.191 --> 01:21.943 kalula yinoma ubani ngaphandle kwezithiyo zobuchwepheshe. 01:21.943 --> 01:26.908 Ngalesi simo, imali ephathekayo nayo iyinkululeko eprintiwe. 01:26.908 --> 01:37.740 Ngokufingqa futhi ngokusobala, umuntu angathi-ke: uma besingakabi nemali, manje bekuyoba yisikhathi sokuyiqamba. 01:37.740 --> 01:41.602 Kodwa yiziphi izizathu ezingemuva kwale ndlela eqinile nenye-siyedwa yokushiya imali 01:41.602 --> 01:44.654 esandleni – naphezu kwezingozi ezishiwo ngenhla? 01:44.654 --> 01:49.576 NgokukaNorbert Häring, intatheli yezamabhizinisi yaseJalimane, le nqubekela phambili ayihleleki. 01:49.576 --> 01:56.925 Ngokombono wakhe, ngemuva kwalokhu kunenethiwekhi yamazwe ngamazwe enamandla, phakathi kwayo, okubalulekile, kunezinhlangano 01:56.925 --> 02:03.869 ezifana neBill & Melinda Gates Foundation, iBhange Lomhlaba, i-IMF, ngaleyo ndlela i-mafia yezimali yomhlaba wonke. 02:03.869 --> 02:10.281 Impela ayisebenzisi amandla ayo ukwenza ukukhokha kube lula futhi kube nokunethezeka kubantu! 02:10.281 --> 02:15.151 Njengoba kubonisiwe, isibonelo, ohlelweni olubizwa ngokuthi "Imali yebhange elikhulu yedijithali – ukuphela 02:15.151 --> 02:21.101 kwenkululeko!" , lezi zinhlangano zisebenzela ukusungula izinhlelo ezintsha zokukhokha ngedijithali emhlabeni wonke. 02:21.101 --> 02:24.660 Nokho, imali isasala iyisithiyo ekusebenzisweni kwalokhu. 02:24.660 --> 02:29.450 Nokho, izibonelo eziningi ezilandelayo zikhombisa ukuthi izinhlelo zokwethula izinhlelo 02:29.450 --> 02:33.595 zokukhokha ezidijithali ngokuphelele zivame ukwehluleka. 02:33.595 --> 02:38.456 Ngoba abantu abaningi ngokuzizwa ngaphakathi bayaphika izinhlelo zokukhokha ngedijithali. 02:38.456 --> 02:43.958 Ngakho-ke babambelela ngokuqinile emalini – kungakhathalekile ukuthi kubiza malini kubo – futhi 02:43.958 --> 02:48.076 ekugcineni baqeda uhlelo olusha lokukhokha ngedijithali. 02:48.076 --> 02:52.300 Ngasikhathi sinye, ubuthakathaka bezinjongo zokukhokha ezinjalo buya sobala, isibonelo 02:52.300 --> 02:55.411 ngenxa yamaphutha kwezobuchwepheshe bolwazi. 02:55.411 --> 03:02.585 Ngenxa yalokho, futhi ngenxa yokuziphatha okubi kwezingxenye ezinkulu zabantu, ohulumeni bashintsha ngokuzumayo 03:02.585 --> 03:10.732 inqubomgomo yabo yemali futhi, isibonelo, bafaka emthethosisekelo wabo ilungelo lokukhokhelwa ngemali. 03:10.732 --> 03:14.372 Nazi ezinye izibonelo ezikhuthazayo kakhulu: 03:14.372 --> 03:19.505 1. Izitolo ezingenalo ikhasha ziyavalwa ngenxa yokuntuleka kwamakhasimende. 03:19.505 --> 03:26.114 Izitolo ezinkulu ezingenalo umgcini wemali zithembisa ukuthenga ngenkathi uhamba ngaphandle kokulinda okudikayo ekukhokheni. 03:26.114 --> 03:30.482 Umqambi walolu hlelo yinkampani enkulu eku-inthanethi i-Amazon, eyaba sematheni eminyakeni 03:30.482 --> 03:34.664 eyedlule ngezitolo zayo ze-Amazon Go ezingenabakhokhisi. 03:34.664 --> 03:39.788 Lolu hlelo lokukhokha lusebenza ngokugada ngevidiyo nokuhlonza ubuso. 03:39.788 --> 03:44.606 Yonke inyakazo yamakhasimende ilandelwa amakhamera nezinzwa ezingenakubalwa. 03:44.606 --> 03:49.868 Amasistimu azibona ngokuzenzakalelayo ukuthi yiziphi izimpahla umthengi azithathayo. 03:49.868 --> 03:57.149 Ngokungena nokuphuma usebenzisa i-smartphone emnyango wesitolo, uhlelo lokugada lwamavidiyo luhlanganisa ukuthenga nomnikazi 03:57.149 --> 04:02.547 we-akhawunti futhi luthatha ngokuzenzakalelayo inani elibaliwe. 04:02.547 --> 04:10.048 Kule nqubo, kuqoqwa idatha ye-biometric engenakubalwa kanye nolwazi mayelana nomthengi ngamunye, okwenza bangabonakali 04:10.048 --> 04:14.814 nje kuphela ngokweqiniso, kodwa futhi bangabikezelwa. 04:14.814 --> 04:20.142 Ngaphezu kwezinkinga eziningi zokuvikelwa kwedatha ezihambisana nalobu buchwepheshe, kukhona futhi ingozi 04:20.142 --> 04:24.631 yokuphathwa ngokungafanele kwamanani entengo yomuntu ngamunye. 04:24.631 --> 04:31.072 Isibonelo, intengo ye-pizza eqandisiwe yabantu abangashadile ingakhuphuka ngempelasonto. 04:31.072 --> 04:38.667 Nokho, abantu abaningi babonakala beqonda lolu hlelo futhi ngokwemvelo bagwema izimakethe ezinkulu ezinjalo. 04:38.667 --> 04:44.674 I-Amazon imemezele ukuthi izitolo eziyisithupha ezinjalo zizovalwa ngenxa yokuntuleka kwamakhasimende. 04:44.674 --> 04:53.435 Lokhu kukhombisa ukuthi umuntu ngamunye angasiza kanjani ekuvimbeni izinhlelo zokubhekwa ngokweqile nokudijithalishwa. 04:53.435 --> 04:58.590 2. Uhulumeni baqinisa ukwamukela imali 04:58.590 --> 05:05.495 Ngokuphikisana nohlelo lomhlaba wonke lokususa imali, uhulumeni waseNorway ufuna ukuqinisekisa labo abangafuni 05:05.495 --> 05:13.185 ukusebenzisa izindlela zokukhokha zedijithali ukuthi bangaqhubeka nokukhokha izimpahla nezinsizakalo ngemali. 05:13.185 --> 05:21.162 Njengoba uhlelo lokukhokha ngokuphelele lwedijithali lungaholela ekumisweni ngokuphelele komnotho uma kwenzeka ingozi, 05:21.162 --> 05:29.342 uNgqongqoshe Wezobulungiswa Nezokuphepha Komphakathi, u-Emilie Enger Mehl, uchaza: "Uhlelo lokukhokha oluse-elekthronikhi 05:29.342 --> 05:32.721 ngokuphelele lwandisa ubuthakathaka bomphakathi." 05:32.721 --> 05:36.523 Ngakho-ke imali kumele ihlale itholakala uma kwenzeka ingozi. 05:36.523 --> 05:45.500 Ngakho-ke kuzokwethulwa umthetho ukuqinisekisa ukuthi zonke izimpahla nezinsizakalo zingaqhubeka zikhokhelwa ngemali. 05:45.500 --> 05:49.536 Imizamo efanayo isiqhubeka emazweni ambalwa aseYurophu: 05:49.536 --> 05:56.280 E-Slovakia, ilungelo lokukhokhelwa ngemali kwabekwa emthethosisekelo ngo-2023. 05:56.280 --> 06:04.096 E-Italy, izinyathelo ezahlukene zokumelana nokukhokha ngemali zekhokhisiwe naphezu kokuphikiswa yiKhomishini YaseYurophu, 06:04.096 --> 06:13.332 futhi umkhawulo ophezulu wokukhokha ngemali wenyuswa usuka ku-€2,000 waya ku-€5,000 ngomhlaka 1 Januwari 2023. 06:13.332 --> 06:19.888 E-Sweden, uhulumeni ngisho ufuna ukubuyisela izinga lemali lango-2017 ngokomthetho futhi 06:19.888 --> 06:24.732 ukwenze kube semthethweni esikhathini esizayo. 06:24.732 --> 06:29.750 Njengoba yayingelinye lamazwe aqinile ekukhokheni ngaphandle kwemali, lokhu kumela ukuguquka 06:29.750 --> 06:33.189 okukhulu kakhulu kwenqubomgomo yemali eSweden. 06:33.189 --> 06:40.146 Lokhu kukhombisa ukuthi impi yokulwa nokususwa kwemali yesikashini isekude nokulahlekelwa, futhi izimo zingashintsha 06:40.146 --> 06:45.081 ngokushesha uma abantu beqhubeka begcina imali yesikashini. 06:45.081 --> 06:50.367 3. Ukumiswa kwemali eNigeria kwehluleka ngokumangalisayo 06:50.367 --> 06:54.911 NgokukaNorbert Häring, intatheli yezamabhizinisi yaseJalimane, iNigeria iyigundane lokuhlola 06:54.911 --> 06:58.226 elithandwayo leBill & Melinda Gates Foundation. 06:58.226 --> 07:03.046 Ngokusho kukaHäring, izinyathelo eziningi sezisetshenziswa futhi zivivinywa eNigeria ukuze abantu 07:03.046 --> 07:06.694 babekwe ngaphansi kokuqapha okuzenzakalelayo okuphelele. 07:06.694 --> 07:14.293 Isibonelo, ngo-Okthoba 2021, i-eNaira, imali yokuqala yebhange eliphakathi yedijithali e-Afrika, yethulwa lapho 07:14.293 --> 07:19.072 ngenhloso yokuphelisa ukusetshenziswa kwemali esandleni. 07:19.072 --> 07:27.622 Nokho, ukwamukelwa kwe-eNaira phakathi kwabantu kwakuncane kakhulu kangangokuba, ngemva konyaka owodwa kusethulwe, abantu 07:27.622 --> 07:32.321 abangaphansi kuka-0.5% baseNigeria bamukele le mali entsha. 07:32.321 --> 07:39.006 Ukuze aphoqe umphakathi ukuba uyamukele, uGodwin Emefiele, umphikisi oqinile wemali esandleni kanye nomqondisi weBhange 07:39.006 --> 07:42.845 Elikhulu laseNigeria, wakhupha imali eningi ekujikelezeni. 07:42.845 --> 07:47.563 Waphinde wethula imikhawulo yokuhoxiswa kwemali nsuku zonke, okubangele ubunzima obukhulu bokuphila 07:47.563 --> 07:52.931 kwizigidi zabantu baseNigeria futhi kwaholela ekwehleni okukhulu kokuthengiswa kwezinkampani eziningi. 07:52.931 --> 07:58.677 Nokho, inani labantu baseNigeria laqhubeka liqinile, okwathi ekugcineni kwaphoqa izinkantolo ukuthi zithathe izinyathelo. 07:58.677 --> 08:06.162 Ngo-3 Mashi 2023, iNkantolo ePhakeme yaseNigeria ekugcineni yavuma icala elalibhekiswe kwenqubomgomo yemali yebhange eliphakathi, 08:06.162 --> 08:10.303 yamphoqa ukuba imise izinhlelo zayo zokususa imali esandleni. 08:10.303 --> 08:15.572 Ekuvotweni okulandelayo, kukhethwe umengameli omusha, owabe esesusa uGodwin Emefiele esikhundleni. 08:15.572 --> 08:20.210 Emefiele wabanjwa ngokushesha kamuva futhi manje usolwa ngokusebenzisa kabi isikhundla sakhe okulingana 08:20.210 --> 08:25.424 nezigidigidi ezi-4.5 zamadola kanye nobugebengu bokukhwabanisa okulingana nezigidigidi ezi-2.8 zamadola. 08:25.424 --> 08:32.487 Ngokomhlaziyi wezepolitiki yomhlaba wonke uNick Giambruno, ukwenqaba i-eNaira kwakuyisibonakaliso sokungathembeki 08:32.487 --> 08:36.864 okujulile kwabantu baseNigeria kubaphathi ababusa. 08:36.864 --> 08:43.423 Impumelelo yokumelana kwabo okuqinile futhi iyisibonelo esivelele kakhulu samandla 08:43.423 --> 08:49.098 amakhulu abantu abangawakhulula lapho behlangene. 08:49.098 --> 08:53.551 Zonke lezi zibonelo ziveza ngokusobala ukuthi akukho okungenzeki. 08:53.551 --> 08:58.967 Zonke lezi zinguquko ezesabekayo, kuhlanganise nokususwa kwemali esandleni, zisengavinjelwa! 08:58.967 --> 09:06.085 Isihluthulelo salokhu ukuthi umphakathi ubone ngokusobala izinhlelo ezimbi zabaphathi bamapuppet bomhlaba wonke. 09:06.085 --> 09:14.449 Lokhu-ke kudala ubumunye ekuvukeleni, okungagwemeki okuholela ekwehlulekeni kwezinhlelo zobubi 09:14.449 --> 09:19.922 nasekushintsheni okuhle okufunwa wonke umuntu. 09:19.922 --> 09:23.395 Ngakho-ke imfundo iyona into ebalulekile namuhla! 09:23.395 --> 09:28.889 Abantu ababona izinhlelo ezimbi zabaphathi bamapuppet abasemva kwezibuko kuphela abangaweli amanga abo. 09:28.889 --> 09:32.257 Masisebenzise kahle isikhathi esinakho, ngoba akukakahlwengi okwamanje!